Our Approach
MortgageLoans.net publishes structured mortgage reference content. Every knowledge page follows a consistent editorial format: summary, key takeaways, how the topic works, contributing factors, required documentation, and frequently asked questions. Calculators are built around specific mortgage decisions, using standard industry formulas.
Content is written to the standard that a mortgage professional would recognize as accurate, but organized for someone encountering the topic for the first time.
Source Documentation
Content is developed with reference to primary regulatory and industry sources, including:
- Fannie Mae Selling Guide (updated quarterly by Fannie Mae)
- Freddie Mac Seller/Servicer Guide
- FHA Single Family Housing Policy Handbook (HUD Handbook 4000.1)
- VA Lender's Handbook, Chapter 4
- CFPB regulatory guidance and consumer resources
- FHFA conforming loan limit announcements (published annually)
- IRS Publication 936 (home mortgage interest deduction)
- USDA Rural Development single-family housing program guidelines
- State housing finance agency program documentation
- County-level assessment and tax data via FHFA and state sources
When multiple sources address the same topic, we reference the primary regulatory authority. Where industry practice diverges from published guidelines, both are noted.
Review and Update Process
Mortgage guidelines change. Source documents are updated on different schedules, and content must keep pace.
- Fannie Mae Selling Guide updates (quarterly) trigger review of affected knowledge pages
- FHFA conforming loan limit announcements (annual, typically in late November) trigger updates to state guides and loan limit references
- Regulatory changes from CFPB, HUD, or VA are reviewed within 30 days of publication
- Calculator formulas are validated against current rate environments and fee structures
- State-specific data (property tax rates, transfer taxes, conforming limits) is reviewed when source agencies publish updated figures
Content that requires source verification before publication is flagged internally and held from display until confirmed.
Corrections
If you find a factual error, outdated figure, or misleading statement on any page, contact us at [email protected] with the page URL and the specific issue. Corrections are reviewed against source documentation and applied promptly. Substantive corrections are noted on the affected page.
We take accuracy seriously. Institutional credibility depends on it.
Independence
MortgageLoans.net operates independently of individual lenders and financial institutions. Editorial content is developed from primary regulatory and industry sources without influence from lender sponsorships or product endorsements. Calculator formulas are based on standard industry math, not lender-specific products.